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Cover image of Chain of Wealth - Debt, Investing, Entrepreneurship, Wealth & More

Chain of Wealth - Debt, Investing, Entrepreneurship, Wealth & More

Denis and Katie interview inspiring people on topics around debt, wealth, investing, financing and more. Building wealth is a fundamental principle where there is not enough knowledge - follow them on their journey to pay back all Katie's debt and learn from the masters themselves! Episodes Monday & Thursday, which are perfect for your commute, teach you actionable ways to build your financial life and achieve your dreams. During the episodes, we touch on questions that unlock thought leaders' secrets. Right after that we jump right into the value link round, where we get their take on why people fail, some of the best books or podcasts they recommend and much more!

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Whitney Nicely teaches how to invest in real estate

Original Show Notes: Investing in Real EstateE29: Whitney Nicelyfrom WhitneyNicely.com Whitney Nicely went from no investments (or strategies) to 19 houses, 19 apartment units and 7 chunks of land in less than three years all bringing monthly money to her bank account on auto pilot. She has traveled the United States speaking on stages, teaching her simple strategies, and meeting with other successful real estate investors- and still buying houses the way she teaches others. Since 2016, Whitney has led and trained hundreds of future real estate rock stars to grow their portfolios, collect checks and achieve financial freedom. 100’s of real estate newbies are securing leads, signing deals and scaling their dream incomes through the First Deal Done Fast Program. Welcome Whitney! [2:33] Tell us a bit about yourself? What is your favorite cereal? Why? ·      Likes cereal bars instead [3:1] What is the worst money mistake you’ve ever made? ·      Bought a house without looking at it ·      Water squishing in the carpet ·      Infested with bugs [4:14] What was your first step in acquiring all of these properties? ·      Started buying land ·      Borrowed money from family [5:13] What is the best advice you have for someone who is looking to be on the housing market? ·      Talk to friends and neighbors ·      Good deals found off the market [6:35] Tell us about the First Deal Done Fast Program? ·      Designed for new buyers ·      One student did first deal in 8 weeks [7:48] How much money did you need to invest in property? ·      $10! Just skip lunch and you can start. Sponsors [8:24] Sponsors: Chain of Wealth – Are you looking to get out of debt? Check out chainofwealth.com/debt to find out more. If you’re enjoying this podcast, don’t forget to subscribe, rate and review! Value Link Round (VLR) [8:40] Why do you think people have a hard time achieving their dreams? ·      People get scared [9:42] Do you have any other podcasts or books you recommend? ·      Podcast: All real estate all the time [9:51] What is your favorite quote? ·      Proverbs 31:16- She considers a field and buys it; out of her earnings she plants a vineyard. [10:13] How can our listeners get in touch with you? ·      whitneynicely.com ·      Free Ebook Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

11mins

8 Jan 2018

Rank #1

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Brandon Krieg on Micro Investing, The Stock Market and more!

Brandon Krieg from Stash Invest Hey Chainers and welcome to another edition of Chain of Wealth. Today we have a special guest, Brandon Krieg from Stash Invest. Brandon is the CEO and co-founder of Stash Invest; an investing platform that has helped over 1.2 million people learn how to invest. Learning how to invest in yourself is one of the hardest things we have to learn how to do. [1:02] question Tell us about your personal life. 2 kids- 3 year-old and 4 year-old Went to culinary school Loves the Rangers hockey team [1:40] question Where did the idea for Stash Invest come from? Non-finance friends asked about investing People want to do but overwhelmed with fear and not understanding how [3:27] question If you could go back in time and give the 18-year-old version of yourself one piece of advice what would it be and why? Saved more money Gone out less [4:29] question Give us some insight into what you or your company does. Mobile app Can start with $5 Customer gets a financial education Can save for retirement [7:43] question If listeners want to get some help in investing their money, how much are fees to help get them started? No shenanigan fees $1/ month for accounts with less than $5,000 Free to move money around or close an account [8:59] question Is the money that is invested protected? Registered investment advisor Accounts opened in people’s names FDIC accounts All safeguards are in place [9:59] question What is the best strategy to start investing? Don’t start with a lump sum Invest a little bit every week [12:12] question For our listeners that don’t know, what exactly is a dividend? When a company makes a profit and distributes the profit to shareholders Mostly paid quarterly [13:01] question What is the tax difference between getting a dividend or receiving interest? See your accountant Value Link Round: [14:08] question Why do people fail? In business: stop listening to customers In life: they stop listening [15:13] question What books or other podcasts do you recommend to our listeners? Book- Lean Startup [15:57] question What is the best advice someone ever gave you? Don’t be a shmuck, you’re wasting all your money [16:38] question Is there any last piece of knowledge that you can share with our listeners when it comes to investing their money? Start investing You don’t need to be rich to invest [17:21] question What is the best way to get in touch with you? Email: team@stashinvest.com Website: https://www.stashinvest.com/ Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

18mins

8 Nov 2017

Rank #2

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Saving and Investing

[2:34] Not knowing how to save and the importance of starting young If you are saving smaller amounts it will add up faster than someone earning more Consistency is key to getting rich It’s all about getting in the correct mindset [4:41] Do you have an emergency fund Americans and millennials as a whole live paycheck to paycheck Most people don’t have $1,000 saved up for an emergency Pay yourself first! [6:54] Managing a 401(k) Extremely important- everyone should take advantage At the least you need to match with your employer [8:15] What do do when you max your 401k Your 401k is technically invested in the stock market already Use IRAs – Traditional and Roth IRA Real Estate Crypto – but be careful and only invest a modest amount [10:3] Micro-investing Tons of apps available today to help you start investing, such as Stash Invest, Acorns, Digit etc. Automated savings that you don’t realize Great way to invest “spare change”Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

14mins

2 Aug 2018

Rank #3

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Everything You Need to Know About Cryptocurrency

Special Episode Today all about Cryptoassets, blockchain, cryptocurrency and we’ll dive into a few like Bitcoin. Bitcoin is a cryptocurrency that was released in 2009 and has become the first currency of its kind in the modern age that does not need a central bank to function. It’s created a lot of buzz in the market and is a topic where there is loads of noise and if you don’t focus you can lose track of what you’re talking about.We’ve got a cryptospecial over the next two weeks with today being the introduction to everything and then we’ll dive into our interviews with a guest that has a lot of knowledge on the topic. We split the podcast their interview up into 3 parts because there was just too much information for one episode.Welcome Chainers to another edition of Chain of Wealth, as I mentioned before today isn’t an actual interview but rather a discussion between Katie and myself where we can explore the topic a bit, I’m a lot more technical on the topic and have done quite a bit of reading on it, and Katie has heard me muttering about this crypto, that crypto and so we decided to break down the topic so it’s super easy to understand.[3:32] Timing of cryptocurrencies ·      seems all of a sudden ·      Bitcoin was almost at $20,000 in December 2017 and now it’s under $8,000.[5:4] What is a cryptocurrency and where did they come from? ·      2009 Satoshi Nakamoto which is actually an alias for the inventor of Bitcoin ·      The actual maker is unknown. ·      Whitepaper in October 2008 entitled Bitcoin: A Peer-to-Peer Electronic Cash System.[9:32] What is mining? ·      The process of mining is solving mathematical problems to create the blockchain. ·      It becomes substantially harder to mine as time goes on. ·      People setup PCs to do this. Over time people discovered that graphic cards were better than CPUs to do this which even caused the share prices of AMD and Nvidea to go up. ·      Requires a substantial amount of power to mine a coin these days[15:2] Is bitcoin a currency or what is it? ·      It is a new type of currency ·      Used world wide ·      Own a portion of a coin- you don’t have to own the whole thingSupport this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

34mins

5 Feb 2018

Rank #4

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Damion Lupo Teaches The Secrets of Investing

Original Show Notes: InvestingDamion Lupo is a best- selling author in personal finance and money thinking. He is the host of the Transformation Nation podcast and had owned over 30 companies.Damion outrightly rejects regret and speaks to it as the ultimate life failure. He has a unique approach to living a full-filled life by breaking rules and making more mistakes, faster, than the competition.In 2008 he lost the entire $20 million but recreated his wealth and reinvented his life over 4 transformational years.Welcome Damion![3:45] So first, you lost a $20 million company? What happened? ·       Everything I was, was my checkbook ·       Very dangerous mindset ·       Found something more than money[6:48] So if you could go back in time, what would you tell a younger version of yourself? ·       Kept an older mentor ·       Wish I would have listened to others[10:24] What skills and tools do I need to be a great investor? ·       Real money ·       Don’t paper trade in the stock market or in crypto[14:2] What are the top 3 things you learned from starting more than 30 businesses? ·       Things take longer than we think it will ·       Not having enough money to survive ·       You have to sell something[16:30] You hate the word retirement. What are your feelings about this? ·       Focus more on experiences, less on things ·       Retire into your career ·       People die quickly after retirement most of the timeSponsors[22:44] Chain of Wealth– If you’re interested in hosting your place our on Airbnb check out Hosting Your Pad.Katie created this online course to teach you how to maximize your Airbnb profile.If you’re enjoying this podcast, don’t forget to subscribe, rate and review!Value Link Round (VLR)[23:25] Why do you think people fail at achieving their dreams? ·       They play not to lose instead of playing to win ·       Afraid of being judged.[24:48] What other books or podcasts do you recommend? ·       Podcast: Rich Dad ·       Books: Mastery, Principals, The One Thing[26:7] What is the best advice someone has ever given you? ·       Stop and smell the roses. Life goes fast[26:51] What is your favorite quote? ·       Mistakes are never a failure they are an opportunity from the universe from God to grow and if you embrace them, your life will truly be exceptionalSupport this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

27mins

2 Apr 2018

Rank #5

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Greg McBride on investing for retirement, social security and IRAs

Original Show Notes: Greg McBride from Bankrate Bankrate.com is a one stop shop for financing. They offer services such that include personal finance loans, automobile loans, mortgages and credit cards.Today we are speaking with Greg McBride, a Chief Financial Analyst and a graduate from the University of Florida. He is the Senior Vice President for Bankrate.com.He helps provide analysis and advice on personal finance. With two decades of experience in personal finance. He also has the ability to provide an in-depth interpretation and practical advice to listeners. Greg has some awesome advice on for people looking for information on investing for retirement.Greg, hopefully you can help our Chainer’s out with planning for home buying and retirement.[0:59] Tell us a bit about yourself. ·      Passion: to help people save more money[1:35] How can a person decide if it’s the right time to buy? What should be considered? ·      In it for the long haul ·      Have a long term view[2:33] When it comes to purchasing a home, what area do you see people getting hung up on most? ·      Lack of savings [3:48] How are you able to know how much house you can afford? Is there a formula to knowing what your budget can be? ·      Find the housing calculator at Bankrate.com[4:41] S&P Dow Jones indexes managing director David Blitzer said “Home prices have reached new all-time highs,” on October 31, 2017. What are your thoughts about the housing market at the moment? Do you think the increase is sustainable and do you foresee any potential correction in the coming months or years? ·      Areas where prices have gone way up- a risk there ·      Most of America- nothing equated to 2006[6:11] We know that leaving mass amounts of money sitting in a bank account is not the best idea. Where do you recommend young professionals put their money? ·      Have emergency fund in bank account ·      Workplace 401K ·      Roth IRA ·      Teach yourself to save 10%-15% of your income[7:12] Can you explain a bit about a Roth IRA and a traditional IRA? How do I know which is right for me? ·      Can do both ·      Roth IRA- paying taxes on the front end ·      Traditional IRA- pay taxes when you take money out ·      Snow ball analogy[8:28] What is a CD? Are there different types and again, how do I know which one is right? ·      Certificate of Deposit ·      Committing money for an amount of time ·      Range a few months- years ·      Make sure you don’t need the money[10:21] How do I know that I am saving and investing enough to retire in 40 or 50 years? ·      Save 10%-15% percent of your income for retirement[11:43] A statement that has been told for a long time is not to plan on receiving Social Security when am millennials are older. How much truth is there to that? ·      Do not plan on Social Security ·      Save for yourselfSponsors[13:17] Chain of Wealth – If you’re enjoying the podcast don’t forget to subscribe, rate and review. Head over to Chain of Wealth.If you have an iPhone, subscribe in iTunes!Value Link Round (VLR)[13:56] Why do you think that people struggle to save and plan for the future? ·      Don’t prioritize saving[14:20] Do you recommend any other podcasts or books? ·      Books: The Millionaire Next Door[14:53] What is the best advice that someone has ever given you? ·      Think long term and save[15:22] What is your favorite quote? ·      “Don’t save what’s left over after spending, spend what’s left over after saving”[15:58] How can our listeners get in touch with you? ·      Twitter: @bankrategreg ·      Facebook: Money MastersSupport this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

16mins

20 Nov 2017

Rank #6

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Thinking of buying a house? You NEED to listen to this first

Original Show Notes: Elysia Stobbe from NFM Lending Elysia Stobbe NMLS ID#: 146751 is a home loan originator from NFM Lending located down in sunny Jacksonville, Florida. Buying a home is one of the most stressful times in a person’s life. As millennials start settling down and wanting to purchase homes with white picket fences and a golden retriever, there are a lot of questions lingering around in the backs of young professional minds.   Elysia, hopefully you can share some knowledge and make this transition seem a little easier. [1:27] Tell our listeners about yourself. Originating loans since 2003 Moved over 10 times Over 300 Million in residential loans [1:57] I want to buy a house, but how do I know if I’m ready? Really personal decision, consider family dynamic Are you ready to be part of a community? Consider cost of buying vs renting in your area [3:43] What are the different loans available? Is there a loan that is better than the other? VA loans, one of the best available, 0% down payment, no monthly mortgage insurance fee. If putting down less than 20% insurance required on other types of loans FHA loan, 3.5% minimum down payment but then mortgage insurance for life of the loan Conventional loan 5% down payment, however for first time homebuyers as low as 3%. Best way to make a decision is to apply for all the loans and see which is most favorable dependent on individual situation. *All actual rate dependent on credit score and other factors [6:12] When I was shopping around, there were special loans for certain occupations- can you tell us more about that? Teachers, firefighters, nurses… Much amount of information available Elysia wrote a book checkout: Book: How to get approved for the best mortgage without sticking a fork in your eye Not everyone has the same loan program available [8:31] What is an approximate interest rate I should be expected to get? Primary resident will get you the best rate, focus on getting a higher credit score. Putting down a higher down payment can get you a better rate as less risky for the lender. Term of loan can change the rate as well, high 3- low 4% is approximate range [11:10] How long does the home buying process usually take? A lot falls on the lender and borrower but can be as short as 14-30 days Other lenders can take 60-90 days depends on pipeline and staffing team Check out top 10 questions in Elysia’s book [12:50] I keep seeing ads that Congress has a special mortgage plan- is this real or is it a scam? Yes, and yes J Based on HARP, it is for refinancing but most are already completed.  [13:55] What are some things that I should be looking for on my closing disclosure that are junk fees? Sellers: Understand all fees that realtors will be charging Buyers: Ask good questions and try phone around [15:05] How do I know if refinancing my house is a good option for me? Send the mortgage statement and see what options are available, work with a licensed loan originator. Value Link Round [17:38] Why do you think that people fail at achieving their dreams? Caught up in the manusha and the act instead of focusing on the outcome and enjoying the journey [17:57] What books or other podcasts do you recommend to our listeners? Podcast: Tim Ferriss Podcast: Tony Robbins Book: Empower you [18:33] What is the best advice someone ever gave you? Mother: Do what you love and money will follow [18:51] What is your favorite word or quote? Favorite word: Cool Watch your thoughts because your thoughts become your words, your words become your actions and your actions become your life. [19:15] How can our listeners get in touch with you? Facebook: Elysia Stobbe Home Loan Email: info@bestmortgagebook.com Book: How to Get Approved For the Best Mortgage Toll free: 888-574-7770 Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

20mins

17 Nov 2017

Rank #7

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Where Should You Keep Your Money

Nobody really tells you what to do with your paycheck, people don’t know what you should and shouldn’t do so today’s episode deals exactly with that. [1:40] Where are you putting your money Kate? Until recently (the last year) all of Kate’s money was kept in her bank account The money would rollover from a checking account from the savings account The big mistake with this is that it has an extremely low interest rate. Most investments are in the region of about 8%, savings accounts are typically below 1% and actually make you lose money as inflation is higher than the interest you’ll earn in a savings account Kate’s currently putting her money in mutual funds and stocks she uses her Robinhood account She makes sure that all her money is working for her There’s a common misconception that just because you have stock they aren’t liquid, but you can quickly sell them and convert them into cash [6:30] A ton of people make the mistake that they aren’t responsible with their credit cards Lots of people live off their credit cards but they don’t pay them off in full Kate takes advantage of her credit cards to get points but she pays them off in full to avoid paying any interest Denis pays off his credit cards the moment he gets paid to avoid late fees and interest [8:00] It takes some getting used to realizing that you can just liquidate your funds. Denis had a situation where he hadn’t been paying state tax all year, he wasn’t enrolled into state tax The mistake came about because he didn’t check his paystubs He was notified he had to pay 10 months’ worth of tax – 5.75% multiplied by your annual salary times 10/12 When Denis was told he needed to pay the money, he was able to sell off stock he didn’t want anymore [10:58] If you build up an emergency fund you can eventually start using the money for other reasons like putting money into an IRA There’s a common misconception that you aren’t saving because you can liquidate your portfolio, this isn’t true as most people still have separate savings accounts You should treat it as an account that you can’t draw from, it should be set aside for longer term things. You don’t have to have your money invested in the stock market just because it’s in a particular account. If you are interested in opening up an investing account check out robinhood.Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

14mins

11 Apr 2019

Rank #8

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The Power of the Side Hustle

The Power of the Side Hustle [3:10] Importance of Multiple Income Streams Most millionaires have a ton of income streams (average millionaire has 7 income streams) It’s not actually the high paying jobs are not the people that are millionaires Upkeep become much less once you have setup a side hustle The 5pm to 9pm (12am) is really how you get ahead [4:53] Start one hustle at a time Set stuff up slowly, it’s critical to start off slowly and build it up. Same concept of starting a diet- the one that works is the one you stick to. Pick one income streams and then start building up others FOCUS- follow one course until success [6:48] Build your emergency fund or vacation fund You’re not eating into your normal income or savings You need to have emergency money Always be able to pay your deductible Dave Ramsey problem recommends about 6 months of living expenses saved up An extra income stream can help you so much [9:34] Do something you’re passionate about so it’s fun Find stuff you enjoy that way you don’t see it as work Katie’s friend made jewelry and sold it, she found it relaxing and it made money [11:7] Different ideas for side hustles Drive for Uber of Lyft Airbnb is great and can make you a ton of money Being a server There are grocery shopping side hustles Call and remind people to take their meds New app called Bird- become a charger Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

16mins

6 Sep 2018

Rank #9

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Are you broke? Listen to get your money issues in order

Visit www.chainofwealth.com to grow your wealth Totally different today- No interview but we talk all about budgeting and how we are doing it. For a “boring” subject- I thought it was quite a fun conversation. Sponsors [34:22] Value Link: Looking for an easy side hustle? Check out chainofwealth.com/airbnb for some free information on how to get started. Meh- there were no sponsors or value link round this time- but I’ll keep the airbnb link in there for good measure. Value Link Round (VLR) This wasn’t actually talked about but I like these questions, so I’ll give it a try. Why do you think people fail to achieve their dreams?  Like most of our guests- I agree, people are always too afraid to start. Just get out there and try it! What’s the worst that will happen? What are you favorite books or podcast?  Books: Your money or your life Podcasts: Obviously Chain of Wealth but How I built this is a close second.  What’s your favorite quote?  Education is not the learning of facts but the training of the mind to think. – Albert Einstein Any last advice? Yah- sign up for our emails below!  Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

46mins

4 Jun 2018

Rank #10

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How Your Car Relates To Your Finances

Today we have a quick chat about your car and finances.Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

16mins

8 Nov 2019

Rank #11

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Nick Sky from teaches you how to pay off your student debt

Nick Sky is the co-founder of ChangEd, an app that helps student loan holders pay down their debt quicker and more efficiently. ChangEd is design to align with a borrower’s natural spending by facilitating change roundups on everyday transactions and applying those funds to their student loans.Welcome! [2:37] Student loans are a massive problem in America and tons of people get stuck into paying them off over long periods of time. Do you think the cost of education is going to become easier to bear in years to come or do you think the problem will get worse? The root of the problem is because it’s so easy to get loans and money Universities and campuses are spending tons of money improving their grounds It’s still great to get a degree, on average you’ll make $1 Million more over a lifetime There are other options but it might still exceed inflation [10:29] What’s one of the biggest mistakes you see young adults make when it comes to their student loans? Extending payments Forbearance & deferment  Income based repayment plans have consequences Don’t pay off over 25 years! [11:21] Tell us how you came to form your company with your brother (Dan)? Late 2016, Dan was looking at his student loans and after 3 years he owed more than he borrowed Decided to look at change round up to apply it to student loans People save on average $30-$50 every month By increasing your contribution you’ll save thousands! [13:29] I read an old interview you did where ChangEd had a goal to send more than $100,000 in student loan payments by the end of 2017. You recently hit a new goal in total student loan payments people have made, could you tell us a bit about that and where to from here? Goal in 2017 was to do $100,000 in payments, all with spare change. The goal for 2018 was $1 million, which was met early September. Download ChangEd in the appstore [19:50] If you have one piece of advice for people with massive student loan debt ($75k+) what would it be? Ignoring your debt! People have hundreds of thousands in student loan debt, so many people ignore it (costing them thousands!) Sponsor [22:2] Credible– start decreasing the amount of interest you have to pay on your student loan by refinancing today. See chainofwealth.com/credible for more details.Value Link Round [22:42] What is your saving or retirement plan? Having student loan debt and a bit of credit card debt, number one goal is to pay off the debt for now and then start saving [24:27] Do you have any other books or podcasts you can recommend? The Obstacle Is the Way Book by Ryan Holiday [25:35] Favorite Quote? Embrace the broom- don’t be afraid to do the small things [27:7] Parting piece of advice? Pay attention to your loans, setup auto debits but be aware of what interest is doing to your loans. Even though you’re in debt life will go on so enjoy yourself.Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

29mins

22 Oct 2018

Rank #12

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Retire Early with Tanja Hester (38 years old!)

Visit www.chainofwealth.com to grow your wealthSupport this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

25mins

22 Feb 2018

Rank #13

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The Importance of Your Savings Rate

Today we talk about your savings rate and how important this number is.Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

20mins

17 Oct 2019

Rank #14

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Hayk Tadevosyan

Today we catch up with Hayk and talk the four pillars.Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

28mins

4 Dec 2019

Rank #15

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Karsten from Early Retirement Now

Karsten Jeske is a personal finance blogger who writes at Early Retirement Now or ERN for short. He is originally from Germany but came to the U.S. in 1995. He blogs about a host of retirement topics oh and he recently retired at the age of 44. Welcome! [:] Your blog stood out immediately because you were a fellow speaker at Fincon, what did you speak about in Orlando? ●            Panel discussion on safe withdrawal rates for early retirees ●            Everyone on the panel said a safe withdrawal rate is probably better 3.5% or 4% [:] A ton of people in the personal finance space always say Baby Step 1 is to get 6 months of living expenses saved up into an Emergency Fund, but you feel differently. Why do you think it’s necessary to have an investment fund and what would you rather do with the money? ●            Karsten never had an emergency fund but everything he saved he put into stocks ●            Why should the money be sitting idle ●            Suze Orman talks about having 9 months of living expenses saved up ●            Sometimes you might withdraw at the peak of the market and sometimes at the trough [:] How long does it really take to plan for early retirement? Put in another way, can you ever start planning for early retirement too late? ●            It took 10 years saving 50-60% of take home savings for Karsten to save up his nest egg. ●            You definitely want to start saving up as soon as possible [:] Tell us a bit about early retired life- what’s been keeping you busy lately? ●            Initially planned to retire in February, but employer asked to extent to June. ●            7 Month trip around the world at the moment [:] Value Link Round [:] What is your saving or retirement plan? ●            Bad portfolio in 2008 ●            Job prospects didn’t look too good either [:] Do you have any other books or podcasts you can recommend? ●            Your Money or Your Life ●            The Millionaire Next Door [:] Do you have a favorite quote you like to live by? ●            Time is the most valuable things we have because it is the most irrevocable [:] Parting piece of advice? ●             It's never to late to start savingSupport this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

38mins

14 Jan 2019

Rank #16

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Josh teaches us how to get out of debt

Today we have Josh from Money Life Wax- a personal finance blog designed for millennials. In 2015 he realized that his financial were in a mess and decided to do something about it, so in February 2016, he put a ring on his girlfriend’s finger and then they decided to get serious about their future.Together they had over $300k worth of student loan debt so it really took some serious planning for them to start tackling their debt.Welcome![2:33] So, how much debt have you guys paid off to date? ·      $40k in student loans before he met his wife ·      His wife had $155k from grad school, $20 from Navient account and $97k ·      Interest is crazy high so even more than that![4:53] What is has been your strategy to tackle the debt? Are you trying to pay off the highest interest rate loans first or tackling loans by value? ·      Read the Dave Ramsey with the Debt Snowball ·      Uses home equity line of credit to make massive payments ·      Ultimately big cash flow strategy focusing on largest amount with the largest interest rate some at 8% ·      Has not refinanced due to federal perks ·      This is not recommended for everybody as it’s a specific strategy.[9:51] What are some areas you had to cut back on? ·      Deciding to live a different lifestyle- which a lot of people might not want to hear J ·      Focus on what’s important, get rid of cable and gym membership ·      Stop eating out so much and not take expensive vacations[13:41] Do you have any strategies for planning a wedding on a budget? ·      Decided to put wedding off a bit to try save some money ·      Realization that inviting 200 people to get into massive debt isn’t worth it so invited fewer people and identified their true friends. ·      Used wedding mix instead of a videographer ·      All in all was about a $15k wedding[16:54] What advice do you have for people who also have a ton of debt or are taking out massive loans for school? ·      If you’re going to assume the debt you should pay the debt ·      You need to claim responsibility ·      Be smart with Colleges and decide if the return on investment is worth itSponsors[19:8] Head over to Credible to get up to $200 off your student loans using our affiliate link!Value Link Round (VLR)[19:29] Why do people struggle to achieve their dreams? ·      Distractions that we see every day like so many ads ·      There are good and bad distractions ·      We live in a world of instant gratification and it’s easy to get distracted[21:4] Do you have any other books or podcasts you can recommend? ·      Greg Cardone – The 10X Rule ·      Jeff Olson- The Slight Edge ·      Dixie Gillaspie- Just Blow it Up ·      Malcolm Grodwell’s Podcast ·      The Power of Zero ·      Marriage Kids and Money – Andy Hill[23:25] Do you have a favorite quote? ·      Observe the masses and do the obvious ·      If nothing changes, nothing changesSupport this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

25mins

2 Jul 2018

Rank #17

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Personal Finance with Chris Browning

Original Show Notes: Personal Finance Blog Chris Browning is the creator of Popcorn Finance. After achieving a Finance degree and having an accounting job, he was still searching for a creative outlet. Wal-ah! Popcorn Finance was born. A quick personal finance podcast that is quick and easy to listen to- just like making popcorn. Welcome Chris! [1:46] So are you a microwave popcorn or kernel popcorn kinda guy? ·      Microwave but got a cool new toy 🙂 [2:19] So you have quite the debt payoff story. You paid off $27,000. What did you do and how long did it take you? ·      Homing in on the budget ·      Took 4 years, predominately wedding expenses ·      Strict $0 budget, set aside a certain portion for debt each month [5:25] Do you have a big money blunder that you learned from? ·      Realizing how much debt he had ·      Kept using credit cards but started being counter-productive ·      Should have rather used cash base budget [7:8] If you could give your money challenged friend advice, what would it be? Why? ·      Create a budget, even if it’s simple ·      Switch to cash budget [8:18] What is your favorite personal finance topic? ·      Mental aspect to managing money [9:34] What are some of the goals you have for Popcorn Finance? ·      Idea come about over 3 years ·      Started in June 2017 ·      Meeting amazing guests has been the funnest part Sponsors [11:11] Chain of Wealth– If you’re interested in hosting your place our on Airbnb check out Hosting Your Pad. Katie created this online course to teach you how to maximize your Airbnb profile. If you’re enjoying this podcast, don’t forget to subscribe, rate and review! Value Link Round (VLR) [11:49] Why do people fail at achieving their dreams? ·      Mindset, sticking to a plan once you’ve come up with it. [13:3] What other books or podcasts can you recommend? ·      Journey to Launch ·      Paychecks and Balances ·      Planet Money ·      Broke Millennial [15:32] Do you have a favorite quote? ·      Eat well, read books, study yourself, expand your mind, do better & get better you are your greatest investment. [16:5] Any last advice? ·      Be more open about money, don’t be isolated ·      Do it with someone you trust Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

18mins

26 Mar 2018

Rank #18

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John Mitchell talks about personal finance & couples joining money

Original Show Notes: John Mitchell talks about couples joining money LPL Financial is one of the leading financial services companies and the largest independent broker/dealer in the nation as reported by Financial Planning Magazine, June 1996-2017. For about four decades, the firm has served as an enabling partner, supporting financial advisors in their goals of protecting and growing their clients’ wealth. Today, we are speaking with John Mitchell. John Mitchell is a registered representative with, and securities are offered through LPL financial, Member FINRA/SIPC.  Investment advice offered through 360 Wealth Management, a registered investment advisor. 360 Wealth Management is a separate entity from LPL Financial Welcome, John! [1:19] Tell our listeners a bit about your personal life. ·      Husband and father ·      Lives in Oklahoma [2:4] What financial mistake have you learned the most from? ·      Spend the same dollar twice ·      Overestimated income [3:11] How did you get started as a CFP? ·      Worked for insurance company ·      Felt confined ·      Wanted to help people [4:6] When do you think is the best time for a couple to start a shared account? ·      Money has no meaning ·      Shared goals [6:49] What advice would you give to a couple that is having trouble compromising on what needs to be paid off first? ·      Don’t lose sight on wanting to become debt free ·      Date night chat ·      Why each debt is important [11:14] What would you say to a couple that has totally different views on money? What advice do you have for them? ·      Understand significant others’ family money culture [16:50] How does credit come into play once you are married? ·      It’s a tool ·      Plan what you use your credit on [19:0] What are some positive ways to talk to your partner if they are overspending? ·      Don’t do it when you’re mad [21:24] What are some common mistakes that you see people making with their money? ·      Credit- making long term commitments quickly [22:44] Tell us a bit about LPL Financial- what are its goals? How can it help our listeners? ·      Largest broker dealer ·      All offices are independent Sponsors [23:46] Chain of Wealth – Want to get out of debt easily? We’re written an easy to understand debt guide to help you learn all the tips you need to get out of debt. If you’re enjoying this podcast, don’t forget to subscribe, rate and review! Value Link Round (VLR) [24:11] Why do you think that people fail at achieving their financial goals? ·      Weight loss analogy ·      Change lifestyle [27:19] What books or other podcasts do you recommend to our listeners? ·      Managing your money for Dummies ·      Personal Finance for Dummies [28:48] What is the best advice someone ever gave you? ·      Money creates problems that more money can’t solve [29:49] What is your favorite word or quote? ·      More is usually not a good answer [30:0] Where can our listeners find you? ·      Google: LPLFinancial- John Mitchell ·      Values-based-planning.com ·      Facebook ·      Twitter The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.  There is no assurance that the techniques and strategies discussed are suitable for all individuals or will yield positive outcomes Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

31mins

7 Dec 2017

Rank #19

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Time Management

How do you take control of your time? Are you able to get on top of your to-do list? Join and learn with us as we share about time management and be inspired by our experiences. [:] Katie's routine ●     Katie puts her work out clothes out in the morning so when she comes home from work she will be reminded to go to the gym ●     When she gets home from work she always makes time for side hustles [:] Katie's usual side hustles (She does all the side hustles before changing her work clothes) 😎 ●     Regular day job ●     Tutoring little kids ●     Computer side hustling [:] Update: Current balance left on Katie's student loan ●     $10,003 👏🏻 👏🏻 👏🏻Support this podcast at — https://redcircle.com/chain-of-wealth-debt-investing-entrepreneurship-wealth-and-more/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

16mins

31 Jan 2019

Rank #20